Deposit operations of a commercial bank: analysis of the current state and development trends

The article analyzes the current state of deposit operations in commercial banks, studies the theoretical aspects, as well as the problems of deposit policy formation in commercial banks, identifies the main problems of implementing deposit policy and their development trends. We have revealed the role of PJSC “Sberbank” in the deposit market of our country, assessed its financial state, analyzed the bank's deposit operations, its share in the segment and marketing policy, and considered rebranding. There is a tendency for the population's savings to flow from deposits to stock exchanges, shares of Russian blue-chip companies and mutual funds. We have made an attempt to develop recommendations for improving the efficiency of deposit policy in commercial banks.